| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES AGENCY LLC | 1 SEAGATE STE 2050 TOLEDO, OH 436041596 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $0 | $6K | 1.33% |
| USI INSURANCE SERVICES LLC3 | 2600 W. BEAVER ROAD SUITE 140 TROY, MI 48084 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $0 | $3K | 0.65% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62889 VIRGINIA BEACH, VA 43604 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $30K | $0 | $30K | 10.00% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62889 VIRGINIA BEACH, VA 43604 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 10.00% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62889 VIRGINIA BEACH, VA 43604 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 10.00% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES INC | 1 SEAGATE STE 2050 TOLEDO, OH 43604 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.60% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62889 VIRGINIA BEACH, VA 43604 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 10.00% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62889 VIRGINIA BEACH, VA 43604 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $900 | $0 | $900 | 10.00% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62889 VIRGINIA BEACH, VA 43604 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $713 | $0 | $713 | 10.00% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $177 | $177 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 ADMINISTRATION | Contract Administrator Service code 13 | P.O. BOX 7639 PHILADELPHIA, PA 19176 | $26K |
| COMPSYCH C/0 PRUDENTIAL INSURANCE EIN 35-3739783 ADMINISTRATION | Contract Administrator Service code 13 | P.O. BOX 7639 PHILADELPHIA, PA 19176 | $0 |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 807 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 819 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 649 | $481K |
| Vision | VISION SERVICE PLAN | 423 | $111K |
| Life insurance(3 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 879 | $184K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 701 | $210K |
| Other(6 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 879 | $496K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 879 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.